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LOEWS CORP (L) Stock Fundamental Analysis

NYSE:L - New York Stock Exchange, Inc. - US5404241086 - Common Stock - Currency: USD

85.27  -0.97 (-1.12%)

After market: 85.27 0 (0%)

Fundamental Rating

3

Overall L gets a fundamental rating of 3 out of 10. We evaluated L against 143 industry peers in the Insurance industry. While L is still in line with the averages on profitability rating, there are concerns on its financial health. L does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

In the past year L was profitable.
In the past year L had a positive cash flow from operations.
Of the past 5 years L 4 years were profitable.
Each year in the past 5 years L had a positive operating cash flow.
L Yearly Net Income VS EBIT VS OCF VS FCFL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.73%, L is in line with its industry, outperforming 46.85% of the companies in the same industry.
L has a Return On Equity (8.29%) which is in line with its industry peers.
L has a Return On Invested Capital (2.20%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for L is below the industry average of 4.47%.
The 3 year average ROIC (2.05%) for L is below the current ROIC(2.20%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.73%
ROE 8.29%
ROIC 2.2%
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
L Yearly ROA, ROE, ROICL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

With a Profit Margin value of 8.06%, L perfoms like the industry average, outperforming 53.85% of the companies in the same industry.
In the last couple of years the Profit Margin of L has grown nicely.
Looking at the Operating Margin, with a value of 13.10%, L is in the better half of the industry, outperforming 60.14% of the companies in the same industry.
In the last couple of years the Operating Margin of L has grown nicely.
Industry RankSector Rank
OM 13.1%
PM (TTM) 8.06%
GM N/A
OM growth 3Y-9.37%
OM growth 5Y2.26%
PM growth 3Y-8.83%
PM growth 5Y5.3%
GM growth 3YN/A
GM growth 5YN/A
L Yearly Profit, Operating, Gross MarginsL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), L is destroying value.
The number of shares outstanding for L has been reduced compared to 1 year ago.
L has less shares outstanding than it did 5 years ago.
The debt/assets ratio for L has been reduced compared to a year ago.
L Yearly Shares OutstandingL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
L Yearly Total Debt VS Total AssetsL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

L has a debt to FCF ratio of 3.74. This is a good value and a sign of high solvency as L would need 3.74 years to pay back of all of its debts.
L has a worse Debt to FCF ratio (3.74) than 61.54% of its industry peers.
L has a Debt/Equity ratio of 0.52. This is a neutral value indicating L is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.52, L is doing worse than 68.53% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 3.74
Altman-Z N/A
ROIC/WACC0.31
WACC7.18%
L Yearly LT Debt VS Equity VS FCFL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
L Yearly Current Assets VS Current LiabilitesL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.59% over the past year.
The Earnings Per Share has been growing by 13.42% on average over the past years. This is quite good.
L shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.58%.
Measured over the past years, L shows a small growth in Revenue. The Revenue has been growing by 3.23% on average per year.
EPS 1Y (TTM)1.59%
EPS 3Y2.22%
EPS 5Y13.42%
EPS Q2Q%-56.78%
Revenue 1Y (TTM)10.58%
Revenue growth 3Y6.11%
Revenue growth 5Y3.23%
Sales Q2Q%6.76%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
L Yearly Revenue VS EstimatesL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
L Yearly EPS VS EstimatesL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2023 2024 2 4 6

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.32, L is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as L.
When comparing the Price/Earnings ratio of L to the average of the S&P500 Index (28.79), we can say L is valued rather cheaply.
Industry RankSector Rank
PE 13.32
Fwd PE N/A
L Price Earnings VS Forward Price EarningsL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as L.
Based on the Price/Free Cash Flow ratio, L is valued a bit cheaper than 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.5
EV/EBITDA 9.21
L Per share dataL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.99
EPS Next 2YN/A
EPS Next 3YN/A

4

5. Dividend

5.1 Amount

L has a yearly dividend return of 0.29%, which is pretty low.
Compared to an average industry Dividend Yield of 3.22, L is paying slightly less dividend.
With a Dividend Yield of 0.29, L pays less dividend than the S&P500 average, which is at 2.47.
Industry RankSector Rank
Dividend Yield 0.29%

5.2 History

The dividend of L decreases each year by -0.02%.
L has been paying a dividend for at least 10 years, so it has a reliable track record.
L has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.02%
Div Incr Years0
Div Non Decr Years10
L Yearly Dividends per shareL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

L pays out 3.89% of its income as dividend. This is a sustainable payout ratio.
DP3.89%
EPS Next 2YN/A
EPS Next 3YN/A
L Yearly Income VS Free CF VS DividendL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B
L Dividend Payout.L Dividend Payout, showing the Payout Ratio.L Dividend Payout.PayoutRetained Earnings

LOEWS CORP

NYSE:L (4/25/2025, 8:19:47 PM)

After market: 85.27 0 (0%)

85.27

-0.97 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10 2025-02-10/bmo
Earnings (Next)05-05 2025-05-05
Inst Owners60.2%
Inst Owner Change0.36%
Ins Owners15.04%
Ins Owner Change0.58%
Market Cap17.94B
Analysts42.86
Price TargetN/A
Short Float %0.98%
Short Ratio1.99
Dividend
Industry RankSector Rank
Dividend Yield 0.29%
Yearly Dividend0.25
Dividend Growth(5Y)-0.02%
DP3.89%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-26 2025-02-26 (0.0625)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.32
Fwd PE N/A
P/S 1.02
P/FCF 7.5
P/OCF 5.93
P/B 1.05
P/tB 1.07
EV/EBITDA 9.21
EPS(TTM)6.4
EY7.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)11.38
FCFY13.34%
OCF(TTM)14.38
OCFY16.87%
SpS83.45
BVpS81.14
TBVpS79.49
PEG (NY)N/A
PEG (5Y)0.99
Profitability
Industry RankSector Rank
ROA 1.73%
ROE 8.29%
ROCE 2.81%
ROIC 2.2%
ROICexc 2.22%
ROICexgc 2.35%
OM 13.1%
PM (TTM) 8.06%
GM N/A
FCFM 13.63%
ROA(3y)1.54%
ROA(5y)1.08%
ROE(3y)7.72%
ROE(5y)5.34%
ROIC(3y)2.05%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.18%
ROICexgc(5y)N/A
ROCE(3y)2.61%
ROCE(5y)N/A
ROICexcg growth 3Y-3.69%
ROICexcg growth 5Y5.84%
ROICexc growth 3Y-4.01%
ROICexc growth 5Y5.6%
OM growth 3Y-9.37%
OM growth 5Y2.26%
PM growth 3Y-8.83%
PM growth 5Y5.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 3.74
Debt/EBITDA 3.1
Cap/Depr 108.41%
Cap/Sales 3.6%
Interest Coverage 5.45
Cash Conversion 104.96%
Profit Quality 169.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.18%
ROIC/WACC0.31
Cap/Depr(3y)121.86%
Cap/Depr(5y)111.18%
Cap/Sales(3y)4.2%
Cap/Sales(5y)4.29%
Profit Quality(3y)238.91%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.59%
EPS 3Y2.22%
EPS 5Y13.42%
EPS Q2Q%-56.78%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.58%
Revenue growth 3Y6.11%
Revenue growth 5Y3.23%
Sales Q2Q%6.76%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y1.01%
EBIT growth 3Y-3.83%
EBIT growth 5Y5.56%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.71%
FCF growth 3Y3.78%
FCF growth 5Y27.87%
OCF growth 1Y-22.57%
OCF growth 3Y4.87%
OCF growth 5Y11.68%